Statute of Limitations on Judgments
Written by: Kristy Welsh
State by State List of Statute of Limitations for Judgments
Last Updated: April 4, 2017
After a creditor wins a lawsuit against you and is awarded a judgment by the court, there is a time limit for collecting that judgment. To find out what the statute of limitations on judgments is in your state, and what the allowable interest rate would be on that amount, use our seach function below.
To find out the statute of limitations on ordinary types of debts — oral, written, promissory notes, and open-ended accounts in your state — go to our article titled Statute of Limitations on Debts.
The state you use to determine the statute of limitations is the state in which the judgment was granted.
Typically, the court will try and contact you via mail, but they do not need proof that you were contacted, and you do not have to be present for your creditor to win. The creditor only has to provide proof that the debt is owed. You want to avoid this at all costs; for it is after a judgment is issued that a creditor can seize bank accounts, assets, or garnish wages. In addition, it is easy to renew a judgment once its statute of limitations has passed. In effect, if the creditor is diligent about his renewals, you could find yourself in the position where a judgment against you never expires. A judgment will drop off your credit report after seven years, but your creditor can hound you until the debt is paid.